Qonto Pricing (2026)

Flat-rate tiers with no seat-based multiplier baked into the sticker price — you're paying for a bundle of features and transaction allowances rather than per-user access. That said, the annual-vs-monthly split (with monthly billing at a premium) means the 'flat' rate isn't as fixed as it looks.

From $9/mo 3 plans flat-rate Free trial Best Qonto alternatives → Qonto's competitors →
Basic
$9/mo
Smart Popular
$19/mo
Premium
$39/mo
Verified Aug 03, 2026 Official pricing page
Screenshot of Qonto's pricing page showing its plans and prices
Their pricing page, captured Aug 03, 2026

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Basic

$9/mo
  • Move money fast with a local IBAN & instant SEPA transfers
  • Get paid easily via payment links, Tap to Pay & POS terminals*
  • Enjoy fully compliant e-invoicing
  • Plan for the future with a suite of cash flow management tools

Smart

Popular
$19/mo
  • 5% AER remuneration, then 1.25% after 2 months
  • Make up to 100 transfers/month
  • Delegate bookkeeping via accountant access & integrated tools
  • Manage expenses with 1 sub-account

Premium

$39/mo
  • 5% AER remuneration, then 1.25% after 2 months
  • Make up to 200 transfers/month
  • Access priority support 7 days a week
  • Manage recurring costs, budgets & expenses with 4 sub-accounts

Does Qonto have a free plan?

No. There's no free-forever plan. There is a free trial that lasts 30 days, and paid plans start at $9/mo.

Want free? Airwallex, Bill.com, and Brex have free plans: see all Qonto alternatives →

AI Pricing Analysis

Pricing Model

Flat-rate tiers with no seat-based multiplier baked into the sticker price — you're paying for a bundle of features and transaction allowances rather than per-user access. That said, the annual-vs-monthly split (with monthly billing at a premium) means the 'flat' rate isn't as fixed as it looks.

Tier Strategy

Basic is for freelancers or tiny teams just needing a business account with basic cards; Smart targets small teams that need more cards and expense tracking; Premium is built for growing companies that need higher transaction volumes and more sophisticated spend controls. The upgrade trigger is usually hitting transfer or card limits, not headcount — you outgrow Qonto when your transaction volume or number of physical/virtual cards exceeds what the tier allows.

Competitive Positioning

Qonto sits in the low-to-mid range for neobank/business account platforms — cheaper than legacy business banking but pricier than pure fintech challengers with free tiers. They're clearly going after SMBs and freelancers who want a bank alternative with some finance-ops tooling, not enterprises needing deep integrations.

Growth Lever

Expansion is driven by transaction/card volume limits and feature unlocks (multi-entity management, accounting integrations, more granular approval workflows) rather than seat count. The lack of a free plan means every user is already paying, so the real lever is nudging Basic and Smart customers into Premium as their card issuance and payment volume scales.

Want the strategist's read on the live page? Read the AI teardown of Qonto's pricing page →

Qonto Pricing FAQ

How much does Qonto cost?
Paid plans start at $9/mo, going up to $39/mo for larger teams.
Is there a free plan?
No free plan. But there is a free trial, so you can test it out before paying.
Can I try it before paying?
Yes — there's a free trial that lasts 30 days.
How does the pricing work?
Flat-rate tiers with no seat-based multiplier baked into the sticker price — you're paying for a bundle of features and transaction allowances rather than per-user access. That said, the annual-vs-monthly split (with monthly billing at a premium) means the 'flat' rate isn't as fixed as it looks.
Which plan makes sense for me?
Basic is for freelancers or tiny teams just needing a business account with basic cards; Smart targets small teams that need more cards and expense tracking; Premium is built for growing companies that need higher transaction volumes and more sophisticated spend controls. The upgrade trigger is usually hitting transfer or card limits, not headcount — you outgrow Qonto when your transaction volume or number of physical/virtual cards exceeds what the tier allows.

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Comparing Qonto to something specific? Try Qonto vs Airwallex, Qonto vs Bill.com, or Qonto vs Brex. Or see the best Qonto alternatives, ranked.

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